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Re: International is disappointing

I'm re-balancing next week and will be selling some REIT ETFs (has been over the 25% trigger point for awhile) and buying some International ETFs, and moving some money market balances that had gotten too high to bond funds. So it goes in the strategy of "stay the course".
by BigFoot48
Fri Feb 27, 2015 9:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: International is disappointing
Replies: 58
Views: 3262

Re: Are remote starters bad for cars?

I love the remote start feature in my C-Max Energi in the summer. Runs on electricity and nicely cools the car when I'm leaving a store or getting ready to leave home and the garage is 110F. Can also start it via the internet if I need a full 15 minutes of cooling and too far for the remote to work....
by BigFoot48
Fri Feb 27, 2015 2:35 pm
 
Forum: Personal Consumer Issues
Topic: Are remote starters bad for cars?
Replies: 40
Views: 2184

Re: Preparing for 2 months incommunicado

climber2020 wrote:Gonna at least take a small film camera to document the adventure?

What is this "film" stuff of which you write?

Victoria, I like the idea of no electronics including camera (of any type) - just savor the experience and the resulting memories!
by BigFoot48
Fri Feb 20, 2015 8:59 am
 
Forum: Personal Consumer Issues
Topic: Preparing for 2 months incommunicado
Replies: 142
Views: 6330

Re: HAPPY BIRTHDAY TO THE BOGLEHEADS FORUM

Mel, a very nice birthday celebration column with those amazing statistics on the success of the site. Happy birthday Bogleheads.org - with many more to come!
by BigFoot48
Mon Feb 16, 2015 11:57 am
 
Forum: Investing - Theory, News & General
Topic: HAPPY BIRTHDAY TO THE BOGLEHEADS FORUM
Replies: 30
Views: 2342

Re: Retiree Portfolio Model

That sounds like what happened. You may want to download a new copy and start all over, avoiding use of the macros. Hope you find it useful when it finally works as intended!
by BigFoot48
Fri Feb 13, 2015 9:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 182
Views: 48001

Re: [Is it worth getting an] AARP [membership]?

I was a member for a few years until it dawned on me that this organization I aligned with and sent money to never once had asked my opinion on any of the issues they were supporting, and never once asked me to vote for who should lead the "association". I view them as a for-big-profit pri...
by BigFoot48
Fri Feb 13, 2015 11:04 am
 
Forum: Personal Consumer Issues
Topic: [Is it worth getting an] AARP [membership]?
Replies: 58
Views: 3964

Re: Retiree Portfolio Model

BigFoot48, v4.93 seems to be working better for me, but I did run into one snag, similar to the one I mentioned yesterday - in the RMD start age field, where it defaults to 71, I need to change it to 70 and it will only accept "y" or "n". Denise, I am unable to test the model on...
by BigFoot48
Fri Feb 13, 2015 2:05 am
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 182
Views: 48001

Re: Retiree Portfolio Model

Clear Entries is a macro and you should open the file again and don't click on that just to eliminate it from the process. I have no idea why that SS value field has been apparently changed to a y/n field. Don't understand how that could happen. Go to the first post and download version 14.93 and se...
by BigFoot48
Wed Feb 11, 2015 3:48 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 182
Views: 48001

Re: Retiree Portfolio Model

BigFoot48 - Ah, I didn't realize it wasn't supported on Apple. I used v 14.3 last year and it appeared to be working, so maybe I'll go back to that. I wouldn't know if the calculations were correct, though. Do you know whether there were any calculation problems with that verison on Macs? There hav...
by BigFoot48
Wed Feb 11, 2015 2:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 182
Views: 48001

Re: Retiree Portfolio Model

Is the withdrawal rate calculation correct? I think it needs another parenthesis. And you are right! Good catch. This calculation is shown on the Results page in the summary of each case at the top. However I realized this factor was mis-labeled as it's not intended to be the withdrawal rate but ra...
by BigFoot48
Wed Feb 11, 2015 1:44 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 182
Views: 48001

Re: Retiree Portfolio Model

I just downloaded v 15.1 this afternoon and LibreOffice 4.4.0.3. I haven't started doing anything yet but I see that nothing happens when I press "Clear Entries" or any other button. I'm running on OSx 10.8. Any suggestions? Is anyone running this on a Mac with LibreOffice? Is there some ...
by BigFoot48
Wed Feb 11, 2015 9:16 am
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 182
Views: 48001

Re: Parents Approaching Retirement - Please Review

Makaveli1988 wrote:Yes, Fido placed them in all 16 funds.

An excellent reason to fire the manager and move out of Fidelity immediately.
by BigFoot48
Mon Feb 09, 2015 11:20 pm
 
Forum: Investing - Help with Personal Investments
Topic: Parents Approaching Retirement - Please Review
Replies: 37
Views: 3323

Re: Parents Approaching Retirement - Please Review

I would at a minimum drop the active management service at Fidelity as it's really easy to maintain a simple 3-4 fund portfolio at the chosen allocation, as mentioned by others. It's not clear, but does your Fidelity IRA hold 16 funds or is that just what is available in the management program?
by BigFoot48
Mon Feb 09, 2015 12:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: Parents Approaching Retirement - Please Review
Replies: 37
Views: 3323

Re: Alternatives to Radio Shack?

According to what I had heard - not all stores are necessarily closing. Franchise stores are allowed to stay open and keep using the Radio Shack name. A list of stores closing immediately are here: http://www.scribd.com/doc/255034573/RadioShack-store-closures Yes, it appears the demise of Radio Sha...
by BigFoot48
Mon Feb 09, 2015 11:20 am
 
Forum: Personal Consumer Issues
Topic: Alternatives to Radio Shack?
Replies: 47
Views: 2821

Re: Retiree Portfolio Model

No, you can do each alone in the two different cases. In fact the example case that comes with the model does exactly that. Please note that both of these do the simple version of these two strategies and more complex benefit modeling, like combining both in a case, will have to await a further rele...
by BigFoot48
Sat Feb 07, 2015 7:28 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 182
Views: 48001

Re: Retiree Portfolio Model

A new version of the Retiree Portfolio Model is now available for download. Version 15.1 includes several fixes and minor improvements. Users of 15.0 that are not experiencing any problems as listed in the changes below can possibly ignore this update, but many users may benefit from the fixed Clear...
by BigFoot48
Wed Feb 04, 2015 2:08 am
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 182
Views: 48001

Re: Retiree Portfolio Model

Les - thank you for the compliments on the model and I'm glad you are finding it useful. I appreciate you reporting this error in the macro that clears most of the input factors. This resulted from a change I made at some point to a couple of cells, making them calculated rather than input, without ...
by BigFoot48
Wed Feb 04, 2015 2:01 am
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 182
Views: 48001

Re: Vehicles are (apparently) MUCH safer in last few years

For anyone drawing a blank as I was: ESC = electronic stability control.
by BigFoot48
Mon Feb 02, 2015 11:51 am
 
Forum: Personal Consumer Issues
Topic: Vehicles are (apparently) MUCH safer in last few years
Replies: 54
Views: 4253

Re: Microsoft Excel vs. Apple Numbers

P.S. Quick test, just a reality check to see what is going to happen. The latest version of Numbers I have is Numbers '08. I am going to try to open the Simba Backtest spreadsheet we have here on the forum. I found the results of that test hilarious. Apple needs a warning label on it: "Caution...
by BigFoot48
Sat Jan 31, 2015 12:58 am
 
Forum: Personal Consumer Issues
Topic: Microsoft Excel vs. Apple Numbers
Replies: 20
Views: 1868

Re: Thinking of switching from Turbo-Tax

Looks like TT has seen the error of their ways. Having used H&R a bit more I think I can safely say "I won't be going back to TT". Amid a continuing uproar, the maker of TurboTax tax-preparation software said Thursday it would reverse changes in its products that forced some customers ...
by BigFoot48
Fri Jan 30, 2015 6:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: Thinking of switching from Turbo-Tax
Replies: 26
Views: 1849

Re: Scottsdale, AZ - what to do?

If you want a tour I'd do a loop: Arcosanti https://arcosanti.org/ , Sedona, Jerome, Prescott, Wickenberg and back via Lake Pleasant. You could add Flagstaff and the Grand Canyon but doing all that in one day would be a probably not be much fun. Around town the Desert Botanical Museum, Heard Museum,...
by BigFoot48
Fri Jan 30, 2015 6:06 pm
 
Forum: Personal Consumer Issues
Topic: Scottsdale, AZ - what to do?
Replies: 42
Views: 3326

Re: cvt transmissions

My Ford C-Max has an eCVT, the first car I've had with a CVT, and I absolutely love it, and hope every future car I buy has one (and will shop accordingly). I now consider normal automatics, with their 4-10 gears, ridiculous prior-century relics. The eCVT: More precisely the eCVT transmission is a P...
by BigFoot48
Thu Jan 29, 2015 4:13 pm
 
Forum: Personal Consumer Issues
Topic: cvt transmissions
Replies: 45
Views: 2711

Re: I just filed a Restrictive App at the SS office

ObliviousInvestor has a nice summary of claiming strategies on his website: http://www.obliviousinvestor.com/social-security-strategies-for-married-couples/ I also like this AAII one which focuses on spousal benefit options: http://www.aaii.com/journal/article/social-security-strategies-for-couples....
by BigFoot48
Wed Jan 28, 2015 12:53 pm
 
Forum: Personal Finance (Not Investing)
Topic: I just filed a Restrictive App at the SS office
Replies: 39
Views: 2453

Re: Thinking of switching from Turbo-Tax

This might also be a reason to switch but I wouldn't assume the other companies don't do this too. Intuit (INTU), the company that makes TurboTax, maintains a database containing users’ Social Security numbers, names and other personal data — even for customers using the desktop version of the softw...
by BigFoot48
Wed Jan 28, 2015 11:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Thinking of switching from Turbo-Tax
Replies: 26
Views: 1849

Re: Thinking of switching from Turbo-Tax

I switched from TT to H&R Block this year and so far it looks very good at about half the cost but check back in April for a final report.
by BigFoot48
Wed Jan 28, 2015 9:57 am
 
Forum: Personal Finance (Not Investing)
Topic: Thinking of switching from Turbo-Tax
Replies: 26
Views: 1849

Re: Amazon Prime Is $72 Tomorrow for New Users

I let the "vampire expense" bite me and signed up for Prime today. In addition to the free 2-day shipping for $30 stuff I might buy occassionally, I'm hoping the wife will take advantage of the Kindle First benefit (two pre-release books a month) and the Kindle Lending Library. And an occa...
by BigFoot48
Sat Jan 24, 2015 1:17 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Prime Is $72 Tomorrow for New Users
Replies: 27
Views: 2944

Re: Surviving the Tax Bite of RMD Withdrawals in Retirement

Looks like we may be in this situation in the future. We are 50 now. Roughly $1.5M in pre tax accounts, $2M in taxable. Fairly higher tax bracket. Should we be maxing Roth 401k, not traditional? Any good models out there to run scenarios? Use my model to see the impact of Roth conversions on Federa...
by BigFoot48
Sat Jan 24, 2015 11:52 am
 
Forum: Investing - Theory, News & General
Topic: Surviving the Tax Bite of RMD Withdrawals in Retirement
Replies: 79
Views: 7146

Amazon Prime Is $72 Tomorrow for New Users

We buy a lot of stuff from Amazon and always get free shipping but I'm wondering if two-day, along with all the other benefits of Prime such as Kindle book lending library (wife reads a lot) is worth it, especially at this one day price? Normal one year price is $99. http://deals.kinja.com/amazon-pr...
by BigFoot48
Fri Jan 23, 2015 5:12 pm
 
Forum: Personal Consumer Issues
Topic: Amazon Prime Is $72 Tomorrow for New Users
Replies: 27
Views: 2944

Re: Retirement in Arizona - Seeking Advice

BigFoot you are a God...or at least a minor deity! I had been looking on the "Dell Webb" Sun City websites. :oops: By the way, we have included Tucson in our future-home-search trip. Thank you. Ah shucks, you are too kind. The Del Webb corp has been swallowed up by Pulte Homes but the nam...
by BigFoot48
Fri Jan 23, 2015 9:40 am
 
Forum: Personal Consumer Issues
Topic: Retirement in Arizona - Seeking Advice
Replies: 67
Views: 4682

Re: Retirement in Arizona - Seeking Advice

In fact, upon checking the other Sun City locations, I found no info re the cost of golf for residents at those locations either. Don't understand why they make it so difficult to determine the cost of such an important activity. Sun City West golf prices ($26-$43 - seems reasonable and the courses...
by BigFoot48
Fri Jan 23, 2015 8:16 am
 
Forum: Personal Consumer Issues
Topic: Retirement in Arizona - Seeking Advice
Replies: 67
Views: 4682

Re: Retirement in Arizona - Seeking Advice

I much prefer AZ heat to FL humidity. I once flew out of Sky Harbor and shortly later they closed the airport because is was 122F and their charts that dictated takeoff settings (IIRC) didn't go that high. Later that day one of our home AC units failed and my wife was not too happy. Tucson is about ...
by BigFoot48
Thu Jan 22, 2015 9:58 am
 
Forum: Personal Consumer Issues
Topic: Retirement in Arizona - Seeking Advice
Replies: 67
Views: 4682

Re: Retirement in Arizona - Seeking Advice

BigFoot48 - thanks for sharing. In your opinion, comparing Scottsdale and Tucson, which town has the better mountain views? Also, can you explain why you prefer Tucson over Scottsdale? There's no doubt that Scottsdale is one of the great cities to live in, but it's become expensive to own a home th...
by BigFoot48
Thu Jan 22, 2015 8:55 am
 
Forum: Personal Consumer Issues
Topic: Retirement in Arizona - Seeking Advice
Replies: 67
Views: 4682

Re: Retirement in Arizona - Seeking Advice

Bustoff wrote:I don't know if this is realistic but I was hoping we could find a place somewhere between $250-$350.

You could have a house on a golf course for that in Sun City West.
by BigFoot48
Wed Jan 21, 2015 6:33 pm
 
Forum: Personal Consumer Issues
Topic: Retirement in Arizona - Seeking Advice
Replies: 67
Views: 4682

Re: Retirement in Arizona - Seeking Advice

Our electric bill is $600-$700/yr at $0.11kWh. That's pretty good. Your place must be pretty energy efficient. My bills are quite a bit more in Las Vegas at about the same rate. I'm sorry, I was reading the heating/cooling part of my electrical use spreadsheet! Total bill for a total electric house...
by BigFoot48
Wed Jan 21, 2015 3:04 pm
 
Forum: Personal Consumer Issues
Topic: Retirement in Arizona - Seeking Advice
Replies: 67
Views: 4682

Re: Retirement in Arizona - Seeking Advice

We've lived in Scottsdale (11 years), Tucson (13 years) and rural SE Arizona east of Benson (4 years - much too rural!) and visit Sun City West frequently, and like Tucson the best now (although Scottsdale in the 1980's was wonderful). The Sun Cities have some nice houses and lots of retail and serv...
by BigFoot48
Wed Jan 21, 2015 2:40 pm
 
Forum: Personal Consumer Issues
Topic: Retirement in Arizona - Seeking Advice
Replies: 67
Views: 4682

Re: Microsoft Money Plus Sunset

Here's the PocketSense script website that allows downloading of on-line data (some, at least) into Microsoft Money Sunset. I see it was last updated in September so it's still being actively maintained. https://sites.google.com/site/pocketsense/home/msmoneyfixp1 Hmm, I didn't find it in the Wiki. I...
by BigFoot48
Tue Jan 20, 2015 7:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Microsoft Money Plus Sunset
Replies: 12
Views: 1362

Re: Microsoft Money Plus Sunset

I use it on Win7 and 8. I grabbed it soon after it was made available and it read my existing MM files just fine. I mainly use it for tracking recurring bills, income and expenses, and providing tax and expense reports. I use Pocketsense Updater to price my mutual funds monthly, but don't really use...
by BigFoot48
Tue Jan 20, 2015 5:54 pm
 
Forum: Personal Finance (Not Investing)
Topic: Microsoft Money Plus Sunset
Replies: 12
Views: 1362

Re: RMD withdrawals.

My mother-in-law's IRA only has bonds and bond funds in it so I've never been concerned about market changes influencing the timing. My father-in-law died in November and the RMD he had scheduled for December was made automatically while the IRA was still in his name, and we transferred the IRA to h...
by BigFoot48
Tue Jan 20, 2015 2:52 pm
 
Forum: Personal Finance (Not Investing)
Topic: RMD withdrawals.
Replies: 43
Views: 3482

Re: Net Worth Survey, 2015 Edition

CloveLeaf wrote:Is there any way to update my input? Accidentally put in a wrong number....

PM bobblehead or me with the line number to correct or delete, or just re-input and consider your incorrect entry just "noise".
by BigFoot48
Sat Jan 17, 2015 12:19 pm
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 135
Views: 23270

Re: Retiree Portfolio Model

I like the new macro to copy current results to the hold locations on the main page. One thing that would be nice is if it could also copy the current description for the case to the comment area as well. Thanks for a great tool! Glad you like it. Well, there's limited room there for the model desc...
by BigFoot48
Fri Jan 16, 2015 2:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 182
Views: 48001

Re: Retiree Portfolio Model

I started playing with the RA options on the SS section, and I'm not sure if I am not understanding the approach correctly or not. Here's my situation I was trying to model: 1) I plan on deferring my benefits to age 70 2) Spouse plans to file for her benefits at age 62 3) At age 66, I would do RA f...
by BigFoot48
Fri Jan 16, 2015 2:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: Retiree Portfolio Model
Replies: 182
Views: 48001

Re: Free (or REALLY cheap) image hosting?

I use Photobucket for posting images on forums that don't support uploading photos. I also have stored some personal photos on there for viewing remotely (a pre-tablet/smartphone habit). Well, a few days ago a helpful BH PM'd me with the revelation that he could go from my posted images here into al...
by BigFoot48
Thu Jan 15, 2015 10:12 am
 
Forum: Personal Consumer Issues
Topic: Free (or REALLY cheap) image hosting?
Replies: 20
Views: 1482

Re: How much in I bonds do you own?

I have $30,000 worth and plan to close it out this year as I don't hold any long-term investment below 5% of my portfolio total and have concluded, by doing some simple math, that this one fits that criteria. One less thing to track.
by BigFoot48
Tue Jan 13, 2015 1:57 pm
 
Forum: Investing - Theory, News & General
Topic: How much in I bonds do you own?
Replies: 29
Views: 3164

Re: Net Worth Survey, 2015 Edition

Aptenodytes wrote: I tend to do something like the following, which groups people by decade and plots the mean and 95% range. For me, it is easier to get a quick sense of the relationship in this manner. Others would find this visualization to obscure too much.

Excellent!
by BigFoot48
Tue Jan 13, 2015 12:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 135
Views: 23270

Re: Net Worth Survey, 2015 Edition

The curve has been bent. I found the options for the trendline settings and have selected the polynomial, second order, as recommended and here is an updated chart with all entries (some at the upper and lower maximums). http://i164.photobucket.com/albums/u7/Bigfoot48/Bogleheads/NetWorthSurvey20156....
by BigFoot48
Tue Jan 13, 2015 8:59 am
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 135
Views: 23270

Re: Net Worth Survey, 2015 Edition

Candor wrote:I'm assuming the graphs aren't taking into account the number adults in the household?

Correct. Just the raw data from the table.
by BigFoot48
Sun Jan 11, 2015 8:47 pm
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 135
Views: 23270

Re: Net Worth Survey, 2015 Edition

Bogglehead deserves all the praise for this. I merely contribute a little technical help and do the charts with Excel. I'm glad people find them interesting and appreciate the suggestions for improving them. Try using a higher order curve-fit. Don't see that option in Excel 2003 or Libre Calc but wi...
by BigFoot48
Sun Jan 11, 2015 1:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 135
Views: 23270

Re: Net Worth Survey, 2015 Edition

All current entries excluding the $50M outlier.

Image
by BigFoot48
Sun Jan 11, 2015 11:14 am
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 135
Views: 23270

Re: Garage door openers - recommended brand, model?

Chamberlain belt-drive self-installed to replace a 15-year old Craftsman that failed. Very quiet and came with exterior keypad which is handy and open-door monitor that didn't work very well.
by BigFoot48
Sun Jan 11, 2015 10:50 am
 
Forum: Personal Consumer Issues
Topic: Garage door openers - recommended brand, model?
Replies: 14
Views: 1387

Re: Net Worth Survey, 2015 Edition

I think a linear plot is more appropriate, as I think a log plot is useful when exponential functions are involved - such as the effects of compound interest (retirement savings). We posted at nearly the same time. See my comments about the statistical density plots and data exclusions. Chart with ...
by BigFoot48
Sun Jan 11, 2015 9:45 am
 
Forum: Personal Finance (Not Investing)
Topic: Net Worth Survey, 2015 Edition
Replies: 135
Views: 23270
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